The Property Academy Podcast

New Kiwisaver changes: $96,000 extra for retirement!⎥Ep. 2087

29 May 2025

Contributed by Lukas

In this episode, we discuss the government’s latest KiwiSaver changes … and how they could leave some Kiwis up to $96,000 better off by retirement...

OCR goes down: Why this interest rate cut is different⎥Ep. 2086

28 May 2025

Contributed by Lukas

In this episode, we discuss the Reserve Bank’s latest decision to cut the OCR — and why this interest rate drop is different from the rest.You’l...

11 floor plan fails that make buyers say “Nope”⎥Ep. 2085

27 May 2025

Contributed by Lukas

In this episode, we discuss the most common floorplan mistakes that make tenants and buyers walk away — even if the property looks great on paper.Yo...

How much do Property Accountants ACTUALLY cost?⎥Epo. 2084

26 May 2025

Contributed by Lukas

In this episode, we discuss how much property accountants really cost — and what you’re actually paying for at each price point.You’ll learn:T...

Never buy a property in NZ without checking THIS⎥Ep. 2083

25 May 2025

Contributed by Lukas

In this episode, we discuss the 6 most important things to check before buying a property — so you don’t end up with a dud.You’ll learn:How much...

The $50,000 mistake: How one tradie poisoned this Kiwi’s home⎥Ep. 2082

24 May 2025

Contributed by Lukas

In this episode, we share Nick’s story — a Kiwi tradie who bought a do-up in Auckland… and ended up with a toxic home, a rogue removalist, and a...

How much can tenants damage a house … and still get their bond back?⎥Ep. 2081

23 May 2025

Contributed by Lukas

In this episode, we discuss what actually counts as “fair wear and tear” — and how much damage a tenant can do before they’re forced to pay.Yo...

Who can legally sell property in NZ? (The 5 levels explained)⎥Ep. 2080

22 May 2025

Contributed by Lukas

In this episode, we discuss who’s legally allowed to sell property in New Zealand — and the 5 different levels of people involved in the real esta...

How often do tenants NOT pay their rent?⎥Ep. 2079

21 May 2025

Contributed by Lukas

In this episode, we discuss how often tenants fall behind on rent – and whether rent arrears are as scary as many property investors fear.You’ll l...

How Fast Are Interest Rates REALLY Falling?⎥Ep. 2078

20 May 2025

Contributed by Lukas

In this episode, we discuss how fast interest rates are actually falling — and what that means for your mortgage.You’ll learn:Why Trump’s tariff...

I lived on NZ Super for a week. Here's what happened⎥Ep. 2077

19 May 2025

Contributed by Lukas

In this episode, we discuss what happened when we challenged ourselves to live off the New Zealand Superannuation for a full week — and spoiler: it ...

Is property investing still worth it in 2025?⎥Ep. 2076

18 May 2025

Contributed by Lukas

In this episode, we discuss whether property investing still stacks up in 2025 — or if the golden age is over (and never coming back).You’ll learn...

From landscaper to accountant: How I started investing at 23⎥Ep. 2075

17 May 2025

Contributed by Lukas

In this episode, we discuss how Oliver — a 23-year-old investor — bought his first home in Tauranga, went from landscaper to accountant, and used ...

Do this every time you get paid (Economist’s Routine)⎥Ep. 2074

16 May 2025

Contributed by Lukas

In this episode, we discuss what to do every time you get paid — and how to create a simple system that helps you grow wealth without overthinking i...

Why time IN the market beats timing the market⎥Ep. 2073

15 May 2025

Contributed by Lukas

In this episode, we discuss whether that old saying — “time in the market beats timing the market” — actually holds up. (Spoiler: it does. And...

How fast can you buy 5 investment properties? (Realistic timelines explained)⎥Ep. 2072

14 May 2025

Contributed by Lukas

In this episode, we answer the question: How quickly can you build a property portfolio?You’ll hear:The rule of thumb for how long each property mig...

We investigate NZ's housing oversupply crisis⎥Ep. 2071

13 May 2025

Contributed by Lukas

In this episode, we discuss whether New Zealand really has a housing oversupply — or if we’re just misreading the data.You’ll learn:The differen...

House price data: Which to use & when (For the nerds)⎥Ep. 2070

12 May 2025

Contributed by Lukas

In this episode, we discuss the 3 main types of house price data — and reveal when to use each one (and which to avoid like the plague).You’ll lea...

The 7 worst properties to buy in 2025⎥Ep. 2069

11 May 2025

Contributed by Lukas

In this episode, we discuss the 7 worst types of properties you could buy in 2025 — and how to spot a “bargain” that could actually cost you hun...

How this couple went from $160K to $400K income (and you can too!)⎥Ep. 2068

10 May 2025

Contributed by Lukas

In this episode, we discuss how Tamati and Liana doubled their income, moved overseas, and are now building a 10-property portfolio — all while jugg...

Are You Playing to Win… or Just Playing Not to Lose? (The Wealth Mindset Matrix)⎥Ep. 2067

09 May 2025

Contributed by Lukas

In this episode, we discuss the four wealth mindsets — and challenge you to figure out whether you’re building your financial future… or just pl...

Cash-Flow vs. Capital Gains: Which is BETTER?⎥Ep. 2066

08 May 2025

Contributed by Lukas

In this episode, we discuss the age-old question: should you invest for cashflow or capital gains — and which one will actually make you more money ...

The hidden danger of listening to money experts⎥Ep. 2065

07 May 2025

Contributed by Lukas

In this episode, we discuss how even well-meaning money experts can lead you astray — often without realising it — and what red flags to watch for...

Airbnb vs Mid-Term Rentals vs Long-Term Rentals: The TRUTH⎥Ep. 2064

06 May 2025

Contributed by Lukas

In this episode, we discuss which rental strategy gives you the best return — Airbnb, mid-term, or long-term rentals — and reveal the numbers most...

How much should property management cost? (Hidden Fees EXPOSED)⎥Ep. 2063

05 May 2025

Contributed by Lukas

In this episode, we discuss what property managers should really charge — and the hidden fees that could be quietly draining your rental income.You’...

Should I Buy A House In 2025 Or Wait Until 2026?⎥Ep. 2062

04 May 2025

Contributed by Lukas

In this episode, we discuss whether now is the right time to buy a property — or if you’re better off waiting until 2026.You’ll learn:Why delayi...

"I Don't Know What To Do!" (Live Property Coaching)⎥Ep. 2061

03 May 2025

Contributed by Lukas

In this episode, we are joined by Daniel for another Case Study Sunday. Daniel — a first-home buyer turned landlord — isn't sure what to do wi...

The dark side of property developers EXPOSED (This should be illegal)⎥Ep. 2060

02 May 2025

Contributed by Lukas

In this episode, we discuss the massive legal loophole that lets property developers market their builds as investments — without being qualified to...

The TRUTH about Homes.co.nz listings⎥Ep. 2059

01 May 2025

Contributed by Lukas

In this episode, we discuss why you can’t always trust the numbers you see on Homes.co.nz — and what it means for your investment decisions.You’...

8 unethical (but legal) things landlords do explained⎥Ep. 2058

30 Apr 2025

Contributed by Lukas

In this episode, we discuss 8 things some landlords do that might be legal — but definitely aren’t ethical.You’ll hear:Real examples of landlord...

Are you secretly RICH without even knowing?⎥Ep. 2057

29 Apr 2025

Contributed by Lukas

In this episode, we discuss why you might be wealthier than you think — even if it doesn’t feel like it.You’ll learn:Why high income doesn’t a...

How big should your emergency fund actually be?⎥Ep. 2056

28 Apr 2025

Contributed by Lukas

In this episode, we discuss how big your emergency fund really needs to be — and how to set it up so you’re covered when life throws a curveball.Y...

Love & Money: Investing as a couple with an Age Gap | Ep. 2055

27 Apr 2025

Contributed by Lukas

In this episode, we discuss how couples with an age gap can plan for retirement — and what it takes to make sure your money lasts for both of you.Yo...

How an 18-year-old can start investing in property (Live Coaching) | Ep. 2054

27 Apr 2025

Contributed by Lukas

In this episode, we discuss how an 18-year-old can get started in property investment — and lay the foundation for building serious wealth over time...

What's the best New Build? Off the plans vs already built | Ep. 2053

25 Apr 2025

Contributed by Lukas

In this episode, we discuss whether it’s better to buy a New Build off the plans or go for one that’s already built — and which option could mak...

What Life on The Pension Is REALLY Like ⎥ Ep. 2052

24 Apr 2025

Contributed by Lukas

In this episode, we discuss the harsh reality of living on NZ Super — especially if you’re still renting or paying off a mortgage at 70.For this, ...

"I accidentally became a property investor – What do I do next?" ⎥ Ep. 2051

23 Apr 2025

Contributed by Lukas

In this episode, we discuss what to do if you’ve accidentally found yourself as a property investor.You’ll learn:How to decide whether to keep or ...

The $24,000 bedroom that wasn't a bedroom⎥Ep. 2050

22 Apr 2025

Contributed by Lukas

In this episode, we discuss the “bedroom bluff” — a sneaky trick where sellers advertise more bedrooms than a property really has.You’ll learn...

The Airbnb tax trap no one talks about⎥Ep. 2049

21 Apr 2025

Contributed by Lukas

In this episode, we discuss the hidden Airbnb tax trap that could cost property investors over $150,000 — and how to avoid falling into it.You’ll ...

Is this new rule the solution to NZ's housing crisis?⎥Ep. 2048

20 Apr 2025

Contributed by Lukas

In this episode, we discuss whether the government’s RMA reforms could be the policy that kills the housing crisis — or creates a whole new one.Yo...

How I went from $5/hr to $8.5 million in property⎥Ep. 2047

19 Apr 2025

Contributed by Lukas

In this episode, we discuss how one investor (Raj) went from earning just $5 an hour to building a property portfolio worth $8.5 million.You’ll hear...

Should I FIRE my property manager?⎥Ep. 2046

18 Apr 2025

Contributed by Lukas

In this episode, we discuss how to fire your property manager — without the awkward conversations or unnecessary drama.You’ll learn:The exact proc...

Home and Income properties: smart investment or financial trap?⎥Ep. 2045

17 Apr 2025

Contributed by Lukas

In this episode, we discuss whether home-and-income properties are a smart way to boost your cashflow — or a financial trap in disguise.You’ll lea...

The hidden advantage of investing in a flat market⎥Ep. 2044

16 Apr 2025

Contributed by Lukas

In this episode, we discuss why investing during a flat property market might be one of the smartest moves you can make — even if it doesn’t feel ...

Foreign buyers: The housing market's last hope? ⎥Ep. 2043

15 Apr 2025

Contributed by Lukas

In this episode, we discuss whether foreign buyers could soon be let back into the New Zealand housing market — and what that might mean for house p...

How to stop bleeding cashflow on your properties [Case Study]⎥Ep. 2042

14 Apr 2025

Contributed by Lukas

In this episode, we discuss how to stop the cashflow bleeding on your investment properties — and what to do if you think you’ve made a mistake.Yo...

How Trump's tariffs could LOWER your mortgage rates⎥Ep. 2041

13 Apr 2025

Contributed by Lukas

In this episode, we discuss how Donald Trump’s proposed tariffs could actually lead to lower mortgage interest rates here in New Zealand.You’ll le...

"I saved $100,000 by 21 and bought my FIRST HOME" [Must Listen]⎥Ep. 2040

12 Apr 2025

Contributed by Lukas

In this episode, we discuss how one young Kiwi (Phoebe) saved over $100,000 by the age of 21 and bought her first home while earning just $65,000 a ye...

NZ’s $184 billion insurance crisis explained⎥Ep. 2039

12 Apr 2025

Contributed by Lukas

In this episode, we discuss New Zealand’s massive insurance problem — and how it could leave homeowners seriously out of pocket when disaster stri...

Inside the shocking true stories of abandoned properties⎥Ep. 2038

10 Apr 2025

Contributed by Lukas

In this episode, we discuss the shocking reality of what happens when tenants disappear without warning — and the nightmare some landlords are left ...

OCR cut: How Trump's tariffs will make your mortgage cheaper ⎥ Ep. 2037

09 Apr 2025

Contributed by Lukas

In this episode, we break down the Reserve Bank’s latest move to cut the Official Cash Rate (OCR) – now sitting at 3.5%.You’ll learn:Why the Res...

"I lost $107k on property. Should I sell or push on?"

08 Apr 2025

Contributed by Lukas

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at ⁠what if you invested in property but ...

New: Granny flats just got WAY easier (and Cheaper)⎥Ep. 2036

08 Apr 2025

Contributed by Lukas

In this episode, we discuss the government’s just-announced changes that make it easier and cheaper to build a granny flat or minor dwelling on your...

Best apps to manage your money (Personal finance app comparison)⎥Ep. 2035

07 Apr 2025

Contributed by Lukas

In this episode, we discuss the top personal finance apps in New Zealand.Over two weeks, we tested three of the most popular tools: PocketSmith, Sortm...

"I haggled $116,000 off a house!"⎥Ep. 2034

06 Apr 2025

Contributed by Lukas

In this episode, we discuss how Andrew managed to negotiate a massive $116,000 discount off a property.We also share how much you can realistically sh...

"I make $100K+ a year on Airbnb (from just ONE property)"⎥Ep. 2033

05 Apr 2025

Contributed by Lukas

In this episode, we're joined for Case Study Sunday by Elliot. He's a West Coast investor who makes over $100,000 a year from a single Airbnb property...

Property investing 101: Start here!⎥Ep. 2032

04 Apr 2025

Contributed by Lukas

In this episode, we discuss where to begin if you’re brand new to property investment.With over 2,000 episodes in the tank, it can be hard to know w...

The hidden capital gains tax you didn't plan for⎥Ep. 2031

03 Apr 2025

Contributed by Lukas

In this episode, we discuss the “intention test”. It's a sneaky tax rule that could still land you with a surprise bill from the IRD, even if you’...

The $4,000,000 retirement plan: what would you do?⎥Ep. 2030

02 Apr 2025

Contributed by Lukas

In this episode, we discuss what you could do if you had $4 million as a nest egg heading into retirement.They walk through a real scenario (involving...

How to get a mortgage for an Airbnb investment property⎥Ep. 2029

01 Apr 2025

Contributed by Lukas

In this episode, we dive into how to get a mortgage for an Airbnb investment.This includes what lenders really think about short-term rental propertie...

How to rebuild your wealth after divorce⎥Ep. 2028

31 Mar 2025

Contributed by Lukas

In this episode, we tackle a tough but important topic: how to rebuild your financial future after a separation or divorce.We share the real-life stor...

I stopped using Trade Me to buy investment properties (here's why)⎥Ep. 2027

30 Mar 2025

Contributed by Lukas

In this episode, Ed and Andrew explain why they’ve stopped using TradeMe to find investment properties — and reveal where they’re looking instea...

"The car crash that spilled $15 million of meth on our front lawn"⎥Ep. 2026

29 Mar 2025

Contributed by Lukas

In this Case Study Sunday, we’re joined by long-time investors Emily and Leighton, who went from zero to seven properties in just 11 years.They shar...

Forget about your investments - for your own mental health⎥Ep. 2025

28 Mar 2025

Contributed by Lukas

In this episode, we explore a trap many property investors fall into: getting caught up in the daily ups and downs of their property’s value.We shar...

How many property investors ACTUALLY make money?⎥Ep. 2024

27 Mar 2025

Contributed by Lukas

In this episode, we dig into a big question: How many property investors actually succeed – and what does success even mean?We break down what finan...

How far down are house prices? (You might be surprised)⎥Ep. 2023

26 Mar 2025

Contributed by Lukas

In this episode, we discuss how to figure out whether the prices of your properties are keeping up with the market (or not). This includes how you can...

Biggest house price spike since 2021. Or is it?⎥Ep. 2022

25 Mar 2025

Contributed by Lukas

In this episode, we discuss how the New Zealand property market is changing. This includes how NZ's average house prices are changing right now. W...

Why mortgages just got $12,000 cheaper for some first home buyers⎥Ep. 2021

24 Mar 2025

Contributed by Lukas

In this episode, we discuss how ANZ has just changed the way it charges for mortgages. They've slashed the low equity premiums, which makes it cheaper...

How to 5x your returns in property investing⎥Ep. 2020

23 Mar 2025

Contributed by Lukas

In this episode, we discuss the upside and downside of your big mortgage. That includes how to 5x your returns in property investment and the mortgage...

[Must listen] They skipped insurance – then disaster struck⎥Ep. 2019

22 Mar 2025

Contributed by Lukas

In this episode, we are joined by Anna Sheehan for another Case Study Sunday. Anna shares her deeply personal story about how her husband got brain ca...

"I’m 3 years from retirement ... and It’s SCARY" [Case Study]⎥Ep. 2018

21 Mar 2025

Contributed by Lukas

In this episode, we discuss a case study of a property investor's Mum.She's 3 years away from retirement and is worried about what life looks like whe...

Make more money NOT investing at the bottom of the market ⎥Ep. 2017

20 Mar 2025

Contributed by Lukas

In this episode, we discuss dollar cost averaging and how to apply this top property investment. This includes how you can make more money investing c...

Make the same money with less risk (in property) ⎥Ep. 2016

19 Mar 2025

Contributed by Lukas

In this episode, we discuss why property investors need to diversify and think about diversification.This includes how to make the same money (generat...

"My neighbour wants to poison my dog" – how to deal with bad neighbours⎥Ep. 2015

18 Mar 2025

Contributed by Lukas

n this episode, we discuss how to deal with bad neighbours. That includes one case where a tenant's neighbours were threatening to poison their dog. W...

How do you ACTUALLY get a mortgage top-up⎥Ep. 2014

17 Mar 2025

Contributed by Lukas

In this episode, we discuss the exact process to get a mortgage top up. That includes what you can use a mortgage top up for, who you need to talk to,...

Am I middle class? (NZ)⎥Ep. 2013

16 Mar 2025

Contributed by Lukas

In this episode, we discuss what middle class really means in New Zealand. This includes how much income and wealth you might need to be considered mi...

From 0 to 5 properties in 5 years – at just 32-years old (how this investor did it))⎥Ep. 2012

15 Mar 2025

Contributed by Lukas

In this episode, we are joined by Laura to discuss how she went from 0 to 5 properties in just over 5 years. That includes how she did it starting on ...

$50k for property coaching, is it actually worth the money?⎥Ep. 2011

15 Mar 2025

Contributed by Lukas

In this episode, we discuss whether it's worth dropping $50k on property coaching. That includes how much different companies charge and what you get ...

Finders Fees: How to make $10k+ in property without buying a house⎥Ep. 2010

13 Mar 2025

Contributed by Lukas

In this episode, we discuss Finders Fees and how you can make $10,000+ through property ... without actually paying for a house. This includes how pro...

How AI Is changing property investing forever (3 tools to use)⎥Ep. 2009

12 Mar 2025

Contributed by Lukas

In this episode, we discuss how property investors can use AI to learn about property and plan their property investment portfolios. This includes 3 t...

How to set up your money so it never runs out (The Golden Goose Strategy Explained)⎥Ep. 2008

12 Mar 2025

Contributed by Lukas

In this episode, we discuss the Golden Goose Strategy. This is a retirement strategy that property investors can use to fund their retirement costs.Th...

How to set up your money so it never runs out (The Golden Goose Strategy Explained)⎥Ep. 2008

11 Mar 2025

Contributed by Lukas

In this episode, we discuss the Golden Goose Strategy. This is a retirement strategy that property investors can use to fund their retirement costs.Th...

How to set up your money so you can QUIT WORK forever (The Nest Egg Strategy Explained)⎥Ep. 2007

10 Mar 2025

Contributed by Lukas

In this episode, we discuss the Nest Egg strategy. This is a retirement strategy that property investors can use to fund their retirement costs.This i...

How fast do rents ACTUALLY go up?⎥Ep. 2006

09 Mar 2025

Contributed by Lukas

In this episode, we discuss how fast rents really go up in NZ. This includes how rents are changing right now, and how fast they usually increase.That...

"We have money dates" – How this couple manages their money⎥Ep. 2005

08 Mar 2025

Contributed by Lukas

In this episode, we are joined by Stacey and Simon from the Manawatu to talk about how they invest in property and how they manage their money. Stacey...

How to make your Property Manager increase your rent⎥Ep. 2004

07 Mar 2025

Contributed by Lukas

In this episode, we discuss how to make your property manager increase your rent. This comes after a listener of the show emailed in ... talking about...

$60,000 to remove this from your property: The nightmare you need to avoid⎥Ep. 2003

06 Mar 2025

Contributed by Lukas

In this episode, we are joined by Alannah Elliot from SQN Training to discuss asbestos horror stories. This includes how to spot whether a property co...

The science of picking the perfect Airbnb location⎥Ep. 2002

05 Mar 2025

Contributed by Lukas

In this episode, we are joined by Bram Gallagher from AirDNA to discuss the science of picking the perfect location for an Airbnb. Bram walks us throu...

"I spent $100k creating NZ's first Property AI tool"

04 Mar 2025

Contributed by Lukas

In this special bonus episode, you'll hear the audio from the recent Property Live webinar where we looked at Opes Ai, a new tool created for the ...

Do house prices really double every 10 years?⎥Ep. 2001

04 Mar 2025

Contributed by Lukas

In this episode, we discuss whether NZ house prices really do double every 10 years. We dig through the data to look at how often house prices double ...

I bought a house at the peak of the market - Now what?⎥Ep. 2000

03 Mar 2025

Contributed by Lukas

In this episode, we discuss what property investors should do if they bought at the peak of the market. This includes how you might legitimately feel ...

How to retire with just $19,000 in the bank (The $19K Retirement Plan)⎥Ep. 1999

02 Mar 2025

Contributed by Lukas

In this episode, we discuss the $19k retirement plan ... how you can retire (as a couple) on just $19,000 in New Zealand. We go through a bit of feedb...

I lost $100,000+ investing in property (And I'd do it again)⎥Ep. 1998

01 Mar 2025

Contributed by Lukas

In this episode, we are joined by Eleanor Grimshaw for another Case Study Sunday. Eleanor walks us through how she lost over $100,000 investing in pro...

The truth about property flipping (2025)⎥Ep. 1997

28 Feb 2025

Contributed by Lukas

In this episode, we discuss the truth about property flipping. This includes how much you can make flipping properties, how much you should spend reno...

Explaining Homes.co.nz's wild price swings⎥Ep. 1996

27 Feb 2025

Contributed by Lukas

In this episode, we discuss why Homes.co.nz's online valuations jump around so much. This includes how their algorithms work, what causes the numb...

I tried Rent-vesting to get a cheaper house⎥Ep. 1995

26 Feb 2025

Contributed by Lukas

In this episode, we discuss the rent-vesting strategy (also called Rentvesting). This is where you live in a rental property while you buy investment ...

How much does a home renovation actually cost?⎥Ep. 1983

25 Feb 2025

Contributed by Lukas

In this episode, we discuss how much a home renovation really costs. We reached out to Ilse Wolf of Wolfe Property to talk the numbers involved.That i...

Top 5 best places to Airbnb a property (NZ)⎥Ep. 1994

25 Feb 2025

Contributed by Lukas

In this episode, we discuss the 5 best and 5 worst places to buy an Airbnb in New Zealand. We look at AirDNA data to find out which areas have the hig...

NZ Herald is wrong – what they missed about retirement⎥Ep. 1993

24 Feb 2025

Contributed by Lukas

In this episode, we discuss why the NZ Herald is wrong and a few things that respected financial commentator, Mary Holm, missed when talking about ret...

How to investigate any property developer (NZ)⎥Ep. 1992

23 Feb 2025

Contributed by Lukas

In this episode, we discuss how you can investigate any property developer in New Zealand. That includes the 3 things you must do before trusting a pr...